Encore Capital

I am a XXXX XXXX XXXXXXXX filing a complaint against Midland Credit Management , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan XXXX, for violations of the Fair Debt Collection Practices Act in connection with their attempts to collect an alleged XXXX XXXX XXXX XXXX XXXX XXXX, account ending in XXXX, with a claimed balance of {$3600.00}. I received Midland 's first collection letter on XX/XX/XXXX. On XX/XX/XXXX, I received a second letter via XXXX titled " Pre-Legal Notice for Non-Payment of Debt, '' threatening to refer my account to " an attorney in Rhode Island '' if I did not respond by XX/XX/XXXX. No specific attorney or law firm was named. This letter was dated XX/XX/XXXX on its face. However, the XXXX tracking label on the envelope shows the letter was not actually shipped until XX/XX/XXXX XXXX days after the date shown on the letter. The letter was delivered XX/XX/XXXX.…

Read full complaint at CFPB →

Recieved a call on XX/XX/XXXX from Midland credit.com asking to speak to XXXX XXXX. The rep wouldn't tell me whom it was or what it was in reference to. She just wanted to know if I was XXXX XXXX I told her she was in a meeting. Then XX/XX/XXXX I received a letter via FedEx about this credit card. My father had his own business and opened lines of credit. When he past away the business dissolved.

MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

On XX/XX/year>, I submitted a written dispute and request for validation of an alleged debt being reported by Midland Credit XXXX. In response, the company sent a letter dated XX/XX/year>, along with limited documentation. The materials provided consisted primarily of account summaries, balance information ( approximately {$3800.00} ), and copies of historical statements from the original creditor. However, the response did not include sufficient documentation to validate the debt. Specifically, the company did not provide a signed agreement, a complete chain of assignment identifying my specific account, or documentation demonstrating that I am legally obligated to pay the debt or that the company has the legal authority to collect. Despite the lack of proper validation, the company continues to report the account to consumer reporting agencies.…

Read full complaint at CFPB →

I maintained a XXXX credit card account for approximately XXXX years without payment issues. In late XXXX, the account began showing unauthorized and fraudulent charges, which I reported to XXXX multiple times. Despite those reports, XXXX did not properly investigate or resolve the fraudulent activity and continued to assess interest and fees on disputed charges. The account was charged off in XX/XX/XXXX with a balance of approximately {$34000.00} and later sold to Midland Credit XXXX XXXX XXXX XXXX XXXX a collection lawsuit and obtained a default judgment on XX/XX/XXXX. The judgment was entered procedurally and did not involve judicial review of the accuracy of the balance or the unresolved fraud disputes. After judgment was entered, XXXX immediately initiated bank garnishment.…

Read full complaint at CFPB →

I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all…

Read full complaint at CFPB →

I am writing to file a formal complaint against Midland Credit Management , Inc. ( MCM ) for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 1692e ( 8 ). On or around late XXXX 2026, I received an initial collection letter from MCM regarding an alleged XXXX XXXX Platinum XXXX account ( MCM Account # XXXX, balance claimed : {$7600.00} ). Within the XXXX dispute window required by the FDCPA, I sent MCM a written debt validation request via XXXX Certified Mail. My letter was delivered to MCM 's address at XXXX XXXX Big XXXX XXXX, XXXX XXXX, XXXX, MI XXXX on XX/XX/year>2026 at XXXX AM ( XXXX XXXX # XXXX, confirmed delivered ). Despite receiving my timely validation request, MCM proceeded to update and verify this account with Equifax on XX/XX/year>2026 a clear violation of 15 U.S.C. 1692g ( b ), which requires all collection activity to cease until proper validation is provided.…

Read full complaint at CFPB →

I am filing a complaint against Midland Credit Management ( MCM ), also known as XXXX XXXX XXXXXXXX XXXX XXXX XXXX, regarding violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I sent a formal cease and desist letter to Midland Credit Management instructing them to stop all communication with me regarding any alleged debt. This request was made in writing and should have been honored under federal law. Despite this, I have continued to receive collection calls. Most recently, on XX/XX/XXXX, I received a call from XXXX XXXX XXXXXXXX XXXX XXXX XXXX which I believe is affiliated with or operating under the same corporate group as Midland Credit Management. This is a direct violation of my cease and desist request. Under the FDCPA, once a consumer sends a written request to cease communication, a debt collector must stop contacting them except under very limited circumstances.…

Read full complaint at CFPB →

In XX/XX/year>, I mailed a written dispute and request for validation regarding this account. I disputed the accuracy of the reporting and requested documentation supporting the debt. I did not receive any response or validation from the company. Despite this, the account continues to be reported on my credit file. The company has not provided documentation such as the original agreement, payment history, or proof of its authority to collect and report the debt. I am requesting that the company either provide full validation of the debt or remove the account from all credit reporting agencies. If the company can not provide this documentation, the account should be removed as unverified and inaccurate.

I am filing this complaint against Midland Credit Management XXXX XXXX ( MCM ) for eight documented violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), all established from the face of MCMs own written communications and credit bureau records regarding MCM Account No. XXXX ( original creditor : XXXX XXXX XXXX XXXX, account ending XXXX, alleged balance {$4000.00}, charge-off date XX/XX/XXXX ). VIOLATION 1 FALSE CREDIT REPORTING REPRESENTATION : MCM 's XX/XX/XXXX email stated it would not report this account to credit bureaus until XXXX months after initial contact XX/XX/XXXX. On XX/XX/XXXX, only 22 days later, MCM threatened imminent credit reporting before its own XX/XX/XXXX deadline. These representations directly contradict each other in violation of 15 U.S.C. 1692e ( 10 ) and 1692e ( 8 ).…

Read full complaint at CFPB →

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I recently spoke with a debt collector, MIDLAND CREDIT MANAGEMENT XXXX XXXX, who refused to provide any information about the alleged debt. This debt can not possibly be valid because I have never had any account with the original creditor. My credit history is clean, and I have never had any unpaid debt. Despite my efforts to provide documentation proving that this debt is not mine, they have refused to acknowledge any of the evidence I submitted. I have spent considerable time attempting to resolve this matter, but all my efforts have been ignored. I believe this behavior is unfair, misleading, and may violate my rights under the Fair Debt Collection Practices Act. The only way they said they could help me was if I provided my home address, which I believe is inappropriate and abusive, especially since I am the XXXX contacting them to resolve the issue.…

Read full complaint at CFPB →

On XX/XX/year>, I received written confirmation from Midland Credit Management stating that my account had been closed, collections had ceased, and I have no further obligation regarding this account. The current balance is confirmed as {$0.00}. Despite this written confirmation, Midland Credit Management continues to report this account negatively on my credit reports, damaging my credit profile. I have documentation from Midland confirming the account is closed and no further obligation exists.

Re : MCM Account Number # XXXX I am the XXXX XXXX XXXX XXXX Midland Credit Management , Inc. is attempting to collect on an alleged account that is not mine. I disputed this account. Despite that, Midland did not stop its collection efforts. This is not my debt. I want Midland to honor the law, immediately cease all collection efforts and communications directed at me regarding this account, stop any furnishing or reporting tied to this fraudulent account, and confirm in writing that it will not pursue me further.

MIDLAND CRED-is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED-is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

b'CONSUMER FINANCIAL PROTECTION BUREAU\nOfficial Complaint Submission\nSubmit at: www.consumerfinance.gov/complaint\n\nCOMPLAINANT: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Age: XXXX (Elder Consumer) Income: 100% Social Security Federally Exempt\n\nRESPONDENT: Midland Credit Management, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn: XXXX XXXX, Esq., General Counsel Parent Company: Encore Capital Group, Inc.\n\nDate of Complaint: XXXX XXXX XXXX\n\nAccounts at Issue:\n\nAccount XXXX Claimed: XXXX\nAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Claimed: XXXX\nSECTION 1: NATURE OF COMPLAINT\nI, XXXX XXXX XXXX XXXX, am a XXXX-year-old elder consumer residing in XXXX XXXX, XXXX XXXX, Ohio. I am filing this formal complaint against Midland Credit Management, Inc. (MCM), a subsidiary of Encore Capital Group, Inc., for multiple, documented, and ongoing violations of:\n\nThe Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.…

Read full complaint at CFPB →

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

In XXXX, I received by mail a letter created on XX/XX/XXXX by XXXX XXXX claiming that a credit card ending in XXXX was taken out in my name. The letter stated that I was delinquent in paying off a debt of {$6800.00}. It consisting of {$6500.00} in principle and {$230.00} in fees. Not once had I received any notification of this debt or documents for a repayment schedule. The letter claims this debt was sold by XXXX to Midland Credit Management for collection. Midland Credit Management claims that I am responsible for paying this debt. Doing some research into this letter showed several red-flags for fraudulence on it. First, the letterhead has a slight shadow underneath it showing that the XXXX logo had been pasted on the paper. Second, the balance shows the amount of {$6800.00} instead of {$6800.00}. Third, the letter had not been signed or notarized.…

Read full complaint at CFPB →

Validation of Debt Request - MIDLAND CRED -XX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Writing I am filing this complaint due to inaccurate and improper reporting and collection of a debt. This account has already been resolved and reflects a Satisfaction of Judgment through the courts. Despite this, the debt continues to be reported and/or collected. Additionally, the same debt is being reported by multiple companies, including Midland Credit Management and XXXX XXXX. This is duplicate reporting of the same account, which is misleading and violates the Fair Credit Reporting Act ( FCRA ). I have previously contacted the companies and requested validation of the debt, proof of ownership, and correction of the reporting. I also requested confirmation of the satisfied status of the account. The companies failed to provide adequate documentation or correct the issue. Furthermore, the continued reporting does not reflect the true status of the account and is negatively impacting my credit and financial standing.…

Read full complaint at CFPB →

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

Read full complaint at CFPB →

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am filing a complaint against Midland Credit Management regarding an alleged credit card debt they claim I owe in the amount of * * {$1200.00} * *. I dispute this debt and the amount being reported. I do not believe this balance is accurate, and I have not been provided with sufficient documentation to support this claim. I have not received : * A detailed itemization showing how the amount of {$1200.00} was calculated * Documentation proving that I am legally obligated to pay this debt * Verification of the original creditor and full account details * Proof that Midland Credit Management has the legal authority to collect this debt I am formally disputing this debt under the Fair Debt Collection Practices Act ( FDCPA ). Attempting to collect an inaccurate or unverified debt may constitute a misrepresentation under federal law.

I recently reviewed my credit report and discovered a collection account listed as : MIDLAND CREDIT XXXX - XXXX, MIDLAND CREDIT XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that MIDLAND CREDIT XXXX, XXXX, XXXX, XXXX XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

On XX/XX/year>, I sent a written Debt Validation Request, Arbitration Election, and Cease & Desist ( mailonly ) notice to Midland Credit Management ( also known as Midland Funding LLC / MCM ) regarding an alleged XXXX account ending in XXXX. I requested proof of ownership, chain of title, the original agreement, itemized accounting, and documentation showing how the reported balance of {$1100.00} was calculated. On XX/XX/year>, their law firm sent a response that did not provide proper validation. The Bill of Sale did not identify my account, Exhibit A was blank, the Citi Notice of Sale was generic, and the XXXX statement did not prove ownership or liability. No contract, no itemized accounting, and no chain of title were provided. Despite my dispute, Midland continued collection activity and continued reporting this account to the credit bureaus. The balance they report does not match XXXX records. They also ignored my arbitration election and my Cease & Desist notice.…

Read full complaint at CFPB →

A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Midland Credit Management Inc is harassing me about a {$2200.00} debt that I do not owe. This debt is a result of identity theft. The spelling of the name is wrong on the account in which they are trying to collect a debt for. According to the company Midland Credit Management, the account was said to be opened in XXXX at a XX/XX/XXXX. The company is trying to take legal action by suing me for the amount. The account was bought by Midland Credit Management INC in XX/XX/XXXX. I have sent them a certified cease and desist letter to stop contacting me.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts XXXX referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.